guarantor for the ghost

Zhangqiu: Grandpa Wang, I strongly recommend you this health insurance. The payout is very high, and you can settle multiple claims. The price-performance ratio is very high!Grandpa Wang: I've never heard of ghosts getting sick. This doesn't work for me. Get a financial insurance!Zhangqiu: But what's the use of a ghost buying financial insurance? [Frightened face] Zhong Shaoyuan: Here's the health insurance Zhang Qiu: I'll go, when do ghosts need health insurance?